{ 5 comments… read them below or add one }

Mel J January 11, 2015 at 10:25 am

Be aware that there is another database being use by 75 percent of the banks and it stays for 7 years. Early warning system. Example, i had an account closed by Bank of America for an overdraft that i didn’t pay on time. After 5 years it dropped off chexsystem i go all excited to open an account and i get declined. I told the banker i have nothing on chexsystem he said you are correct but you are on the early warning system. I called them and they have me for the same issue of banks of america but for 7 years. So i have to wait 2 more years. I try two other banks. Same deal.


Joey December 12, 2014 at 4:02 pm

Great page, thanks for sharing it with us. I just did the Nationwide deal where you open a checking account with direct deposit and get $200 after leaving it open for three months. Seems pretty cool but I’m wondering if there is an account closing fee after the three months if I don’t want to stay with them; this might be some useful information you can track for people looking to open accounts, get the bonus, and leave. I enjoy trying new banks though so if I like it I may stay with them.


Thomas Vargo September 23, 2014 at 1:05 pm

Chexsystems consumer reports can become a serious burden to families and individuals looking to open up a new checking account. Any negative mark, whether minor a major, can prevent a consumer from having a checking or savings account.

Luckily today, there are many credit unions and banks that are either local or have branches nationwide that are willing to overlook a person’s Chexsystems report.


purcitron July 7, 2014 at 6:34 pm

what about geographic restrictions? ..kind of important


Hu$tler July 7, 2014 at 6:50 pm

Click on the “Review” to see the geographic restrictions.



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